Pioneer Bankshares (PNBI) Stock Price, News & Analysis

Company Overview

Pioneer Bankshares, Inc. is the bank holding company for Pioneer Bank, a locally focused community banking organization serving residents and businesses in the Mid‐Atlantic region. Through its subsidiary, the company provides a full suite of commercial and retail banking services, including checking and savings accounts, certificates of deposit, and money market instruments. Pioneer Bank’s commercial lending portfolio encompasses commercial real estate, construction, equipment financing, and operating lines of credit tailored to small‐ and medium‐size enterprises.

In addition to traditional deposit and lending products, Pioneer Bankshares offers a range of treasury management and cash‐management services designed to help businesses optimize liquidity and streamline receivables and payables. The bank also provides mortgage lending and home‐equity lines of credit for individual consumers, along with debit and online banking platforms that support bill pay, mobile check deposit, and account alerts. These digital channels complement the bank’s branch network and customer‐service model by delivering convenient access and personalized support.

Headquartered in Oakland, Maryland, Pioneer Bankshares emphasizes local decision‐making and community engagement. Through involvement in economic development initiatives and small‐business support programs, the company seeks to foster growth and prosperity in the municipalities it serves. With a focus on relationship banking and prudent risk management, Pioneer Bankshares maintains a conservative balance‐sheet philosophy while pursuing measured growth opportunities in its core markets.

Key Stats

• Today's Range: $29.00 to $29.00
• 50-Day Range: $25.83 to $30.35
• 52-Week Range: $22.60 to $30.35
• Volume: 377 shs
• Average Volume: 1,256 shs
• Market Capitalization: $29 million
• P/E Ratio: 9.42
• Dividend Yield: 3.45%
• Price Target: N/A
• Consensus Rating: N/A

Pioneer Bankshares Stock Analysis - MarketRank™

Pioneer Bankshares scored higher than 19% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pioneer Bankshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pioneer Bankshares is 9.42, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pioneer Bankshares is 9.42, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.16.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.03% of the outstanding shares of Pioneer Bankshares have been sold short.

Short Interest Ratio / Days to Cover

Pioneer Bankshares has a short interest ratio ("days to cover") of 0.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pioneer Bankshares has recently increased by 50.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Pioneer Bankshares pays a meaningful dividend of 3.30%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pioneer Bankshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Pioneer Bankshares is 32.47%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.03% of the outstanding shares of Pioneer Bankshares have been sold short.

Short Interest Ratio / Days to Cover

Pioneer Bankshares has a short interest ratio ("days to cover") of 0.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pioneer Bankshares has recently increased by 50.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Sentiment

Pioneer Bankshares has a news sentiment score of -1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.97 average news sentiment score of Finance companies.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pioneer Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

13.68% of the stock of Pioneer Bankshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

PNBI Stock Analysis - Frequently Asked Questions

How have PNBI shares performed this year?

Pioneer Bankshares' stock was trading at $27.00 on January 1st, 2025. Since then, PNBI shares have increased by 7.4% and is now trading at $29.00.

How were Pioneer Bankshares' earnings last quarter?

Pioneer Bankshares Inc. (OTCMKTS:PNBI) announced its earnings results on Thursday, May, 29th. The company reported $1.07 EPS for the quarter. The business had revenue of $3.72 million for the quarter.

How do I buy shares of Pioneer Bankshares?

Shares of PNBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pioneer Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pioneer Bankshares investors own include ABM Industries (ABM), Agree Realty (ADC), Acme United (ACU), Accenture (ACN), American Campus Communities (ACC), Abbott Laboratories (ABT) and Arbor Realty Trust (ABR).

Company Calendar

• Last Earnings: 5/29/2025
• Today: 9/09/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:PNBI
• CIK: 1113026
• Web: www.pioneerbks.com
• Phone: (540) 778-2294
• Fax: 540-778-5140
• Employees: 52
• Year Founded: 1901

Profitability

• EPS (Trailing Twelve Months): $3.08
• Trailing P/E Ratio: 9.42
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $2.68 million
• Net Margins: 15.17%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $19.82 million
• Price / Sales: 1.46
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 1,000,000
• Free Float: 864,000
• Market Cap: $29 million
• Optionable: Not Optionable
• Beta: 0.15